Why Prescription Drug Coverage Matters
Medigap plans DO NOT include prescription drug coverage. If you choose a Medicare Supplement plan, you’ll need to pair it with a separate Medicare Part D prescription drug plan to avoid gaps in your coverage.
Option 1: Add a Part D Plan
Most people with Medigap choose a standalone Part D plan. These plans are offered by private insurers and cover both generic and brand-name drugs. Monthly premiums vary by state and provider, and late enrollment may result in a Part D penalty, so enrolling when you’re first eligible is important.
Option 2: Consider Medicare Advantage
Unlike Medigap, many Medicare Advantage plans bundle prescription coverage (Part D) with hospital (Part A) and medical insurance (Part B). However, Advantage plans use provider networks and will likely limit your choice of doctors, while Medigap policies let you see any provider that accepts Medicare nationwide.
Option 3: Explore Assistance Programs
If your income is limited, you may qualify for Extra Help. This federal program helps pay for Part D premiums, deductibles, and copayments. Your state may also offer prescription assistance programs. See our guide on guaranteed issue rights and enrollment protections for more information.
How to Choose the Right Path
- If you want flexibility and nationwide access to providers → choose Medigap + a Part D plan.
- If you want all-in-one coverage (medical, hospital, and prescriptions) → consider Medicare Advantage.
- If you qualify for financial assistance → check eligibility for Extra Help or state drug programs.
Next Steps
Don’t overlook your prescriptions when shopping for a Medigap plan. Pairing your Medicare Supplement with a Part D plan ensures you’re protected against rising drug costs. Use our Medigap comparison tool to see supplement options, and explore Part D coverage available in your area.